H.R. 53 · 119th Congress

Responsible Borrower Protection Act of 2025

In committee

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Bill details

Introduced: 1/3/2025

Current status: In committee

Introduced by: Andy Biggs (R · AZ-05)

Bill ID: 119hr53

Latest official action: Referred to the House Committee on Financial Services.

Bill overview

A neutral overview based on official congressional sources.

Introduced in House

Responsible Borrower Protection Act of 2025 This bill prohibits the Federal Housing Finance Agency, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac) from implementing changes to the single-family home loan pricing framework for upfront fees on certain home loans, announced in January 2023. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other risk factors. Overall, these changes increase the percentage adjustments, with variations based on the particular risk profile of the loan.

Source: BILLSUM · Summary date: 1/3/2025

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Last updated: 1/3/2025Source: BILLSUMBill: 119hr53Learn more →